Home Construction Loan
Specifically designed for building a new house. Loan disbursements are made in phases, matching the progress of the construction.
Home Loan Interest Rates & Fees Across Banks and NBFCs - 2026
Updated on 10-11-2026 Written by Ramandeep Sadana, Credit Expert with over 10 years of experience
According to Ambak, home loan interest rates across India's public sector banks, private banks, and Housing Finance Companies (HFCs) start at 7.40% p.a. in November 2026. Following the Reserve Bank of India (RBI) Monetary Policy Committee's 25 basis points repo rate hike from 5.25% to
11 Banks Found
Central bank of IndiaLoan Amount
₹5 L–₹30 Cr
ROI
7.25%
EMI/Lakh
₹791/mo
LTV up to 90%
Processing Fees0.5% + GST
Login FeeWaived
Account Handling Chargesno account handling charges
Legal & Technical FeeRs. 12,000
Due Diligence ChargesNo due diligence charges
State Bank of IndiaLoan Amount
₹5 L–₹30 Cr
ROI
7.25%
EMI/Lakh
₹791/mo
LTV up to 90%
Processing FeesRs.15,000 + GST
Login FeeWaived
Legal & Technical FeeRs.6,321 (for loan amount less than 1 Cr) and Rs.14,190 ( for loan amount greater than 1 Cr)
E-Stamp ChargesOn Actuals
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.118
Punjab National BankLoan Amount
₹5 L–₹30 Cr
ROI
7.45%
EMI/Lakh
₹803/mo
LTV up to 90%
Processing FeesWaived
Login Feeno login fee
Legal & Technical FeeRs. 15,000
E-Stamp ChargesRs. 1,000 - 1,200 + GST
Due Diligence ChargesNo due diligence charges
CERSAI ChargesRs. 118
MODT Charges0.30% + GST
NOI ChargesRs. 15,000 + GST
HDFC BankLoan Amount
₹5 L–₹30 Cr
ROI
7.5%
EMI/Lakh
₹806/mo
LTV up to 90%
Processing FeesRs.10,000 + GST
Login Fee3,894 - 10,838 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical FeeRs.3,500 - 4,000 + GST (Waived-off for APF Approved Properties)
Due Diligence ChargesNo Due Diligence Charges
ICICI BankLoan Amount
₹20 L–₹30 Cr
ROI
7.7%
EMI/Lakh
₹818/mo
LTV up to 90%
Processing Fees5,000 + GST
Login Fee1,000 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical FeeRs.2,500 + GST
E-Stamp ChargesRs.2,000 - 2,500 + GST
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs. 118
Bajaj Housing FinanceLoan Amount
₹5 L–₹30 Cr
ROI
7.85%
EMI/Lakh
₹828/mo
LTV up to 90%
Processing FeesRs.1,999 + GST
Login FeeRs. 1,499
Account Handling ChargesNo Account Handling Charges
E-Stamp ChargesRs.200
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.118
Bank of BarodaLoan Amount
₹5 L–₹30 Cr
ROI
7.4%
EMI/Lakh
₹800/mo
LTV up to 90%
Processing FeesRs.11,800
Login FeeWaived
Account Handling ChargesNo Account Handling Charges
Legal & Technical FeeWaived
E-Stamp ChargesWaived
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.100 + GST
PNB Housing FinanceLoan Amount
₹20 L–₹30 Cr
ROI
8.75%
EMI/Lakh
₹884/mo
LTV up to 90%
Processing FeesRs.7,000 + GST ( Loan Amount less than 50 Lac), Rs.10,000 + GST ( Loan Amount greater than 50 Lac)
Login FeeRs. 589 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical FeeRs.4,180
E-Stamp ChargesRs.2,000 - 2,500 + GST
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.118
Aadhar Housing FinanceLoan Amount
₹5 L–₹25 Cr
ROI
8.99%
EMI/Lakh
₹900/mo
LTV up to 90%
Processing FeesRs. 15,000 + GST
Truhome FinanceLoan Amount
₹5 L–₹30 Cr
ROI
12.25%
EMI/Lakh
₹1,119/mo
LTV up to 90%
Processing Fees1% + GST
Login FeeRs. 3,540 + GST
Account Handling Chargesno account handling charges
E-Stamp ChargesRs. 2560 + GST
Due Diligence ChargesNo due diligence charges
CERSAI ChargesRs. 100 + GST
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Types of Home Loans
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Home Renovation/Improvement Loan
This loan covers the costs associated with renovating or improving an existing home. Interest rates are generally the same as those for a standard home loan.
Home Extension Loan
Ideal for homeowners looking to extend or add more space to their current home. Lenders usually finance 75% to 90% of the construction costs, depending on the loan amount and LTV ratio.
Bridge Loan
A short-term loan designed for individuals planning to purchase a new home with the proceeds from selling their current property.
News and guides to help you buy smarter
Frequently Asked Questions
Which bank offers the lowest home loan interest rate?
Interest rates vary by lender and borrower profile. Use the 'Lowest Rate' sort to see banks ranked by their minimum interest rate. Rates typically range from 8.5% to 12% p.a.
What is LTV ratio and why does it matter?
LTV (Loan-to-Value) ratio is the percentage of the property value a bank will fund as a loan. A higher LTV means you need a smaller down payment. Most banks offer 75%–90% LTV.
How is EMI per lakh calculated?
EMI per lakh is the monthly payment for every ₹1 lakh borrowed at a given rate and tenure. A lower EMI per lakh means lower monthly payments for the same loan amount.
Can I get a home loan with a low CIBIL score?
Most banks require a CIBIL score of 700+. Some NBFCs and HFCs may approve loans for scores between 650–700, albeit at higher rates. Improving your score before applying is advisable.
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